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          <h1 class="post-title" itemprop="name headline">《跟简七学理财》读书笔记</h1>
        

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        <p>该课程较其他理财课程相比较系统和全面，反映了其理财知识体系，从认知、财务规划、知识技能和行动方案四大能力维度和金融环境、储蓄消费和信贷、风险和保障、投资、资产配置五大板块进行了介绍。</p>
<h2 id="课时04-让你变穷的四个方法"><a href="#课时04-让你变穷的四个方法" class="headerlink" title="课时04 让你变穷的四个方法"></a>课时04 让你变穷的四个方法</h2><p><strong>常见威胁</strong>：意外、疾病、规划外的支出、脆弱的投资系统</p>
<p><strong>如何应对</strong>：事前应对意外、转移疾病风险、进行财务规划、尽早建立投资体系</p>
<h2 id="课时06-做个有钱人之富人思维"><a href="#课时06-做个有钱人之富人思维" class="headerlink" title="课时06 做个有钱人之富人思维"></a>课时06 做个有钱人之富人思维</h2><ul>
<li>富人思维就是能提高我们财富亲密度的思维方式</li>
<li>具体表现为不给自己设限，充分利用包括钱在内的所有资源去努力达成目的，而不局限于自己现在的处境和约束（目标导向）</li>
</ul>
<h2 id="课时07-你的目标可以达成吗？"><a href="#课时07-你的目标可以达成吗？" class="headerlink" title="课时07 你的目标可以达成吗？"></a>课时07 你的目标可以达成吗？</h2><p> <strong>面向目标两步走</strong></p>
<ul>
<li>量化 - 即多角度具体化</li>
<li>分解 - 即把目标拆分成最小可执行步骤</li>
</ul>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywp7deqmaj20oq0lgalx.jpg" alt="目标量化卡"></p>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywp8j4qbhj20za0k04c6.jpg" alt="目标分解卡"></p>
<ul>
<li>目标导向 - 从目标出发，制定计划，寻找资源，而非本末倒置</li>
</ul>
<h2 id="课时08-那些必知的宏观经济指标（上）"><a href="#课时08-那些必知的宏观经济指标（上）" class="headerlink" title="课时08 那些必知的宏观经济指标（上）"></a>课时08 那些必知的宏观经济指标（上）</h2><p><strong>培养经济敏感度</strong></p>
<ul>
<li>学习一些基础的经济学知识</li>
<li>留心大的政策变化或经济走向</li>
</ul>
<h2 id="课时09-那些必知的宏观经济指标（下）"><a href="#课时09-那些必知的宏观经济指标（下）" class="headerlink" title="课时09 那些必知的宏观经济指标（下）"></a>课时09 那些必知的宏观经济指标（下）</h2><p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywpco59lij20yy0liwst.jpg" alt="指标地图"></p>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywpdcjbavj20sy0gstkm.jpg" alt="1. 判断经济景气度"></p>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywpe4mxvmj211m0f0ank.jpg" alt="2. 判断经济引擎：三驾马车"></p>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywpfn7pnpj210i0h4dwa.jpg" alt="2. 判断经济引擎：三驾马车"></p>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywph1oy6sj20y00fiamc.jpg" alt="2. 判断经济引擎：三驾马车"></p>
<ol>
<li>判断货币供应的松紧</li>
</ol>
<ul>
<li>M2 ：它是总货币供应量的统计口径（基础货币 + 衍生货币），反映了整个经济中货币和衍生货币（信贷）的总量</li>
<li>存贷款基准利率：它是银行存贷款利率的制定基准，数字越小，代表较为宽松的货币政策，抑制存款，鼓励贷款</li>
<li>存款准备金率：它规定各大银行在央行存放的准备金比例，直接制约银行的放贷能力，准备金率越低，越鼓励宽松信贷</li>
</ul>
<ol>
<li>判断是否有通货膨胀</li>
</ol>
<ul>
<li>CPI（消费者物价指数）：它是衡量日常消费的一篮子商品和服务的价格变化，数字越大，表示通货膨胀压力越大</li>
<li>PPI（工业生产者出厂价格指数）：它是衡量工业产品出厂价格总水平的变动程度，数字越大，表示工业产出产品价格增长越大</li>
<li>查询途径：国家统计局网站（<a href="http://www.stats.gov.cn），中国人民银行网站（wwww.pbc.gov.cn）" target="_blank" rel="noopener">www.stats.gov.cn），中国人民银行网站（wwww.pbc.gov.cn）</a></li>
</ul>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywqgpqc6fj20hg0k0tiu.jpg" alt="美林时钟"></p>
<h2 id="课时13-理财第一步到底是什么"><a href="#课时13-理财第一步到底是什么" class="headerlink" title="课时13 理财第一步到底是什么"></a>课时13 理财第一步到底是什么</h2><blockquote>
<p>我们很容易高估1年内能做的事，却很容易低谷10年里能做的事</p>
</blockquote>
<h2 id="课时14-清点财富：也许你比想象中富有"><a href="#课时14-清点财富：也许你比想象中富有" class="headerlink" title="课时14 清点财富：也许你比想象中富有"></a>课时14 清点财富：也许你比想象中富有</h2><p>资产：属于你而且正在或未来能为你带来价值的东西</p>
<ul>
<li>流动性资产：是否能够迅速变现</li>
<li>投资性资产：未来是否会带来收益</li>
<li>自用型资产：是否用于自己使用</li>
</ul>
<p>负债</p>
<ul>
<li>消费性负债：因为消费而产生的负债</li>
<li>投资性负债：因为投资行为而产生的负债</li>
<li>自用型负债：因为购买一些自用的资产而产生的负债</li>
</ul>
<p>资产负债表反应特定时点的财富状况，我们可以通过定期更新资产负债表来观察我们财富的变化</p>
<h2 id="课时15-你的财富增长从哪里来？"><a href="#课时15-你的财富增长从哪里来？" class="headerlink" title="课时15 你的财富增长从哪里来？"></a>课时15 你的财富增长从哪里来？</h2><p>收支表记录一段时间内财富是如何变化的</p>
<p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywqqackmnj20zm0jsk3e.jpg" alt=""></p>
<p><a href="http://lanbing510.info/public/img/posts/jianqi/image00180.jpg" target="_blank" rel="noopener">http://lanbing510.info/public/img/posts/jianqi/image00180.jpg</a></p>
<h4 id="财务安全的三层保护"><a href="#财务安全的三层保护" class="headerlink" title="财务安全的三层保护"></a>财务安全的三层保护</h4><ul>
<li>应急能力：遇到突发事件，暂时失去经济来源时，也可以维持现有的生活水平</li>
<li><p>偿债能力：应避免陷入债务危机</p>
<p>  短期债务：流动资产 / 短期负债 应不小于2<br>  中长期债务：债务 /  总资产 不超过总资产的 50% ～ 60%<br>  每月还款额 / 月收入 不超过 30% ～ 40%<br>  实际借款利率 不超过 10%</p>
</li>
<li><p>保障能力：当遇到难以承受的重大风险时，是否可以靠现有保障维持生活水平</p>
<p>  是否配备合适的商业保险</p>
</li>
</ul>
<h4 id="财富成长的三要素"><a href="#财富成长的三要素" class="headerlink" title="财富成长的三要素"></a>财富成长的三要素</h4><ul>
<li>储蓄能力</li>
<li><p>生息资产比例：你的投资是否能实现资产的合理增长</p>
<p>  投资资产 / 总资产 &gt; 50% 说明投资增值能力合格</p>
</li>
<li><p>投资回报率：你的投资收益水平是否合格</p>
<p>  每一年投资收益 / 总投资资产<br>  新手：年收益5%就是一个不错的开头</p>
</li>
</ul>
<h4 id="财富自由度"><a href="#财富自由度" class="headerlink" title="财富自由度"></a>财富自由度</h4><p>衡量你离财富自由有多远</p>
<p>被动收入 / 支出<br>若 &gt;1 说明已实现基本的财富自由<br>你应该存的钱 = 理想生活的花费 ／ 现有投资收益水平</p>
<h2 id="课时18-三个案例告诉你，如何从容应对未来"><a href="#课时18-三个案例告诉你，如何从容应对未来" class="headerlink" title="课时18 三个案例告诉你，如何从容应对未来"></a>课时18 三个案例告诉你，如何从容应对未来</h2><p><img src="https://ws1.sinaimg.cn/large/960345a2ly1fywtuaf3ixj20t80jo14m.jpg" alt=""></p>
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<p>走到人生的某个阶段，我决心要成为一个富有之人，这并不是因为爱钱的缘故，而是为了追求那种独立自主的感觉。—— 查理芒格<br>我们真正宝贵的，是珍惜奋斗的时间，找到前进的方向。也许，工资不会每年大幅提升，会有一些意外支出，也许通胀率和我们假设的不同….但是，规划能让我们对目标有更清晰的认识，找到更明确的行动方向。</p>
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<h2 id="课时21-管好你的钱，从这两个法则开始"><a href="#课时21-管好你的钱，从这两个法则开始" class="headerlink" title="课时21 管好你的钱，从这两个法则开始"></a>课时21 管好你的钱，从这两个法则开始</h2><p> 生活中如买杯咖啡般可有可无的习惯性支出，例如每天午饭后的一杯拿铁咖啡、看到商场促销就买的衣服、付了钱却不去使用的健身卡…<br> 每天一杯咖啡，30年就花了70万…</p>
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